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Best Auto Insurance Companies for Newlyweds (Discounts & More)

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 24, 2021

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Key Takeaways

  • The best auto insurance companies for newlyweds typically offer lower rates for married couples compared to single drivers
  • Married couples usually must be on each other’s policy
  • Sometimes you can have a joint policy if you’re not married

Newlyweds might wonder how their new marriage will affect their car insurance. In most cases, it’s easier to obtain cheap car insurance when you’re married. However, multiple factors will help savvy shoppers find the best auto insurance companies for newlyweds.

Comparing the best car insurance companies for newlyweds will help you determine if your marriage will result in lower rates. Even if you love your current carrier, you might be surprised how much you can save by shopping around.

Before learning about the best car insurance companies for newlyweds, enter your ZIP code to get free auto insurance quotes in your area.

What are the rates from the best car insurance companies for newlyweds?

Car insurance companies use several factors when determining driver rates. Some of these factors include:

  • Age
  • Driving history
  • Credit score
  • Location
  • Number of miles driven

While companies weigh these factors differently, almost all include them in the underwriting process. Additionally, most auto insurance companies consider a driver’s marital status when determining rates.

Marital status usually carries less weight than other factors, like driving history, credit rating, and criminal history.

But married couples will still get lower rates than single people with a similar age and driving record.

Comparing the best car insurance companies rates for newlyweds will help you determine how marriage will affect your car insurance rates. We’ve examined the five largest car insurance companies to show the difference marriage makes on rates.

The following chart shows the difference between the five companies’ average annual full coverage rates of married and single drivers.

Average Annual Full Coverage Rates for Married and Single Drivers from the Best Auto Insurance Companies for Newlyweds
CompanyAverage Annual Rates for Single DriversAverage Annual Rates for Married Drivers
Allstate$3,270$3,160
GEICO$2,233$2,206
Progressive$2,174$1,835
State Farm$1,629$1,643
USAA$1,292$1,156
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As you can see, the rates for married drivers are lower than for single drivers. Additionally, USAA has lower rates than its competitors. However, USAA only provides coverage to military members, veterans, and their immediate families.

When comparing the rates, you’ll find that State Farm offers the lowest rates for single and married drivers that are not in the military.

The average monthly car insurance rate for a married driver is $116, $8 less than the average amount of a single driver. That results in a difference of $96 per year.

The rates for divorced drivers are the same as for single drivers. This change is because your credit score will likely go down when you get a divorce. This credit score decrease will cause car insurance companies to increase your monthly rates.

Why are car insurance rates cheaper for married couples?

The best affordable car insurance companies for newlyweds are cheaper because companies consider them less risky and likely to spend more money than single people. There are two primary reasons why companies think it’s safer to insure married couples.

First, insurance companies see married people as more mature and responsible than unmarried people. This maturity and responsibility make them less likely to get into accidents, decreasing the risk of insuring them and resulting in lower rates.

Companies also consider married couples to be more financially stable than unmarried people. This financial stability makes them more likely to make their payments on time, making them less risky to insure.

Insurance companies are also concerned with profit, and married couples are more likely to purchase other types of coverage, like homeowners insurance and life insurance. Companies hope that lower rates will entice married couples to use them for all their insurance needs.

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What discounts are available from the best car insurance companies for newlyweds?

Car insurance companies don’t offer a specific discount for being married. However, insurance companies use a person’s marital status when determining auto insurance rates. So newlyweds will see a difference in their rates after getting married.

Additionally, two discounts are more accessible for married couples. The multi-car discount allows savings when multiple cars are on the same policy. Married couples are more likely to have a joint policy than unmarried couples.

As previously mentioned, married couples are more likely to purchase a home or life insurance than single people. As a result, they’re eligible for the multi-policy discount, which allows people to save by bundling different insurance policies together.

In addition to these discounts, the best insurance for newlyweds might offer other savings opportunities. The following are discounts offered to any drivers with an insurance policy:

  • Paid in full
  • Autopay
  • Good driver
  • Low mileage
  • Anti-theft device
  • Anti-lock brakes
  • Defensive driver

Combining discounts is more significant for young married couples. While they will experience lower rates than their single peers, young drivers of all marital statuses will have higher rates than older drivers as companies consider young drivers riskier to insure.

Do the best car insurance companies for newlyweds require couples to be on the same policy?

Many car insurance companies require that all people in the same household be on the same policy. This requirement ensures each person is covered if they drive the car of someone else in the home.

Whether or not a joint policy is beneficial depends on your spouse. In most cases, combining plans will result in lower rates and increased discount opportunities. However, sometimes having your spouse on your policy can negatively impact your car insurance rates.

Sports cars and poor driving records make a driver riskier to insure. As a result, if your spouse has a sports car or a bad driving record, it might be cheaper to have a separate policy. To determine which is better, ask for joint and single driver rates when comparing companies.

But doesn’t your spouse have to be on your auto insurance policy? While everyone in your household is supposed to be on your policy, you can exclude members, including your spouse. To remove someone, call your insurance company and ask them to exclude that person.

The removal of someone in your household from a policy is known as a named driver exclusion. For example, you can exclude your spouse if they increase your rates. However, the company will decline coverage if they get into an accident while driving your car.

It’s also worth noting not all states allow named driver exclusions. So when considering the best car insurance companies quotes for newlyweds, check your state’s regulations and ask the insurance company about excluding someone in your household.

Can unmarried couples buy from the best car insurance companies for newlyweds?

Most insurers allow unmarried couples that live together to join their policies. In some cases, the company might even require a couple living together to have a joint policy.

When an unmarried couple buys a joint policy, they’ll be eligible for multi-car and multi-policy discounts. However, insurance companies will usually determine their rates the same as they would for single drivers. Therefore, they’ll experience higher rates than most married couples.

The rates for unmarried couples might also depend on the state. For example, not all states recognize domestic partnerships or common-law marriages. When comparing rates, ask the company how your relationship will impact your rates.

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How do you decide if you should combine policies with the best car insurance companies for newlyweds?

If you’re considering joint car insurance for married couples, you should first discuss your options with your spouse. Even before looking at quotes, you should know each other’s risks. This knowledge will allow you to determine if you should even consider a joint policy.

To determine the car insurance risks of your partner, ask each other five questions. These questions include:

  • Have you been involved in any accidents?
  • Have you gotten any tickets?
  • Have you made any insurance claims?
  • Have you gotten a DUI?
  • What’s your credit score?

Some newlyweds won’t need to ask these questions. Either both people have clean records, or you might already know these answers. However, it’s essential to understand the risks of both people before entering the commitment of a joint policy.

How do you combine policies with the best car insurance companies for newlyweds?

If you’ve decided to combine auto insurance policies after getting married, there are multiple steps that you should take. The following are three things that you’ll need to do to get the best coverage and rates for both people.

Identify How Much Coverage You Need

There are two steps to determine the right amount of coverage. The first is to determine the value of your cars. Vehicles depreciate over time, so your vehicle might not be as valuable as when you first purchased it.

Once you know the value of your vehicles, you’ll need to decide on the right amount of insurance. A car of lesser value won’t need as much coverage. However, a valuable vehicle might require more protection.

Gather Necessary Paperwork

Car insurance companies will require specific documentation before they’ll allow you to combine policies and provide discounted rates. The first thing they might ask for is your marriage certificate as proof.

Additionally, they might request details about your vehicle, like the make, model, and mileage, as well as proof of your previous insurance coverage.

Compare Rates

If you’re thinking of changing your car insurance, you should compare rates from multiple companies. This comparison will ensure that you’re getting the best price. Companies differ on the importance of rating factors, so a change like marriage could make another company cheaper.

While price is important, it’s not the only way of choosing an insurance company. The Insurance Information Institute provides some additional tips on finding the right auto insurance company.

Best Car Insurance Companies for Newlyweds: The Bottom Line

Most car insurance companies provide lower rates to married couples than single people. However, the decision to join policies depends on your spouse’s history and whether a joint policy costs less than separate policies.

Knowing how the best car insurance companies for newlyweds treat marriage will help you determine if joint coverage is the right choice.

Now that you know about the best car insurance companies for newlyweds, enter your ZIP code to find free car insurance rates in your area.

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